The National Post reports in its Saturday edition that the high cost of not having enough money is being brought into focus by a class-action lawsuit against TD Bank. A Canadian Press dispatch to the Post says that lead plaintiff Tyler Dufault was charged $96 in fees by the bank after he fell 45 cents short on a PayPal bill. A $15.9-million settlement of the suit, which focused on whether the bank had properly disclosed that customers could be twice charged the $48 non-sufficient-funds (NSF) fee, was approved this week by the Ontario Superior Court. The settlement comes as scrutiny grows more generally on the charging of such fees, including a push to lower them by the federal government. "This is just another predatory practice of the banks, to charge such a large amount of money," said Donna Borden, a leader at anti-poverty group Acorn. Big banks in Canada charge between $45 and $50 when there is not enough money in the account to process a preauthorized debit such as an automatic bill payment. TD, which did not admit any liability in settling, agreed as part of the terms to amend its disclosures, and would also change its policy to allow for a full reversal of the fee for a first-time issue raised by a customer.